Personal finance · India
Money decisions, in the shade of clarity.
FinChaya is a growing collection of plain-language articles and practical calculators for Indian investors — no jargon, no hype, just the math and the reasoning.
Tools
Explore mutual funds and stocks
Research funds and stocks in one place: compare funds, check what your portfolio really holds, and scan stocks with chart screeners and company results.
Explore on mf.finchaya.com →Model Portfolio SIP Calculator
Enter your monthly SIP, start date, and age — see what an age-based model portfolio would have returned, computed from 18 years of actual benchmark index data.
Try it →Nifty 100 ETF Returns Calculator
See what a simple SIP or lumpsum in the Nifty 100 ETF would have returned — the low-cost benchmark that large-cap funds are measured against.
Try it →Latest articles
-
Is There a Difference Between Life Insurance and Term Insurance?Term insurance is life insurance, the pure kind. The family tree of Indian life policies, why "I have life insurance" so often means under-covered, and a three-line rule for what to buy.
-
Death Cover or Survival Benefit? Which Life Insurance Should You BuyA term plan pays when you die; an endowment pays when you live. One is insurance, the other is a deposit with a badge. When each makes sense, with the arithmetic for ₹1 lakh a year.
-
Is Your Emergency Fund Paying Too Much Tax?Arbitrage funds can leave you with more after tax, but they are slower and not for everyone. Three advantages, three disadvantages, and up to 10 years of real NAV data.
-
Understanding CAS : A new closing method for Indian StocksStarting August 3 2026, there is a big change that has happened in the way how Indian stocks are closing. Understanding CAS is a step forward towards understating this new system
-
How Derivatives Give You More Power With Less Capital — And How Selling Options Can Generate Passive IncomeControl a ₹14-lakh position with ₹1.5 lakhs, and "rent out" stocks you already own for monthly premium income — two ideas most retail investors never hear about.
-
What is a Derivative? What is Long and Short?Before you can understand SIF, you need one word: derivative. A farmer's wheat deal explains it — plus how anyone can profit from a falling stock.
-
SIP vs Lumpsum: which one actually suits you?Both get your money into the market — but they behave very differently when markets wobble. Here's a simple way to decide.